Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11311487
Complaint Overview
Complaint ID: 11311487
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30312
Date Received: 2024-12-28T12:00:00-05:00
Date Sent to Company: 2024-12-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint and Demand for Compensation for Inaccurate Reporting Dear Equifax Compliance Department , I am writing to formally address significant inaccuracies in my credit report related to two XXXX XXXX XXXX XXXX XXXX. Despite previous attempts to rectify these issues, Equifax continues to report erroneous information that adversely affects my credit rating and violates federal and state laws. **Details of Misreporting : ** XXXX. **Inaccurate Account Status** : Equifax reports my XXXX XXXX as " XXXX days or more past due, '' despite both accounts being closed, verified as having a zero balance, and involved in litigation. XXXX. **Violation of Reporting Period** : These accounts have been reported beyond the legal seven-year limit established by the Fair Credit Reporting Act ( FCRA ), infringing on my rights as a consumer. **Legal Grounds for Compensation : ** - **FCRA ( 15 U.S.C. 1681n ) ** : This statute stipulates that consumers are entitled to damages when a credit reporting agency willfully fails to comply with FCRA requirements, allowing for statutory damages of up to {$1000.00} per violation. - **FCRA Reporting Requirements** : As outlined in 15 U.S.C. 1681c, derogatory information must be removed from credit reports after seven years. Your failure to comply with this timeline constitutes a violation of my rights. In light of the above infractions, I demand compensation totaling ** $ XXXX : - ** {$1000.00} for each FCRA violation** ( totaling {$2000.00} ). - ** {$13000.00} for the ongoing emotional and financial damages** caused by these inaccuracies. **Resolution Sought : ** I request immediate correction of my credit report to reflect accurate information and compensation for damages incurred. Please provide acknowledgment of this complaint and a corrective action plan within XXXX days**. Failure to address this matter will compel me to seek further legal remedies. Thank you for your immediate attention to this. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11311487 about?
Complaint #11311487 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-28T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.